"Stastically speaking ..."
I'm confident that's true.
Obviously there are men with remarkably short legs.
Most people (m+f) don't require 'precision fits' for speed/efficiency/distance.
With 'step-through'/ladies frames size isn't particularly critical.
Bikes tend to come with quite long seatposts these days.
Stems are slightly more problematic as they are more of a pain to swap. If rider is expected to want a 'more upright' ride might be better to choose a bike designed like that, but changing stem and bars can make a big difference.
I've made a lot of bikes 'fit' by moving the saddle forward.
On bikes with saddle clips (rather than micro-adjust seatposts) a lot of adjustment is possible by turning the clip round (fiddly!)